| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARYL B LANE3 | 4855 RIVER GREEN PKWY, STE 330 DULTUH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $884 | $318 | $1K | 2.81% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | — | $251 | 0.59% |
| DARYL B LANE3 | 4855 RIVER GREEN PKWY, STE 330 DULUTH, GA 30096 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 10 SAN DIEGO, CA 92122 | STARMOUNT LIFE INSURANCE COMPANY | $756 | $129 | $885 | 5.61% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $788 | — | $788 | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 140 | $16K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 140 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $43K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.